113 E 7th St, Saint Charles, MN 55972 Property Records

Winona County property record for 113 E 7th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,109 sqft · built 1885
Lot Size	0.256 acres (11,151 sqft)
Owner	Individual Name on Record
Last Sale	$279,900 (Nov 2025)
Tax Bill	$1,602 (2026)
Deeds & Mortgages	Jul 2014 Mortgage Nov 2025 Sale & Mortgage + 1 more
APN	`29.060.2230`

Property Details

APN / Parcel Number

Primary APN	`29.060.2230`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,109 sqft Living Area
1st Floor Area	576 sqft
Basement Area	183 sqft
Unfinished Basement	183 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1979
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,151 sqft (0.256 acres)
Lot Dimensions	155 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	400 sqft
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	113 E 7TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-007 BLOCK-039 & LOT 10 EX: N 60' OF LOT 7
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	39
Legal Lot Number	7,10
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2011
Census Tract	671000

Owner

Source: Winona County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	113 E 7TH ST, SAINT CHARLES, MN 55972-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2014	Deed of Trust, Mortgage · Conventional Mortgage RESCUE MORTGAGE INC DBA MORTGAGE DEPOT
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	May 20, 2020 · Amount on Record
Deed Document Number	2025663911
Record Updated	Sep 20, 2026

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	113 E 7TH ST, SAINT CHARLES, MN 55972-1405
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A582355
Date	Jul 18, 2014
Instrument	A582355

Lender

Name	RESCUE MORTGAGE INC DBA MORTGAGE DEPOT
Address	MINNEAPOLIS, MN 55420

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2044

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Nov 24, 2025
Property Address	113 E 7TH ST, SAINT CHARLES, MN 55972-1405
Document Number	000A663911
Instrument Date	Nov 21, 2025
Instrument	A663911
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$923.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 E 7TH ST, SAINT CHARLES, MN 55972-1405

Mortgage

Document Number	000A663912
Date	Nov 24, 2025
Instrument	A663912

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2056

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 20, 2020
Property Address	113 E 7TH ST, SAINT CHARLES, MN 55972-1405
Document Number	624606
Instrument Date	May 15, 2020
Instrument	624606
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TTL UNITED LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.76
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 E 7TH ST, SAINT CHARLES, MN 55972-1405

Mortgage

Document Number	624607
Date	May 20, 2020
Instrument	624607

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
Municipality	St. Charles City
Unified School District	St. Charles Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,602.00 (+1.39%)
2025	$1,580.00 (+18.62%) Homeowner's exemption	$153,800 (-2.66%) Land $40,600 Building $113,200	$153,800 (-2.66%) Land $40,600 Building $113,200
2023	$1,332.00 Homeowner's exemption	$158,000 Land $40,200 Building $117,800	$158,000 Land $40,200 Building $117,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Saint Charles serves 3,825 people · EPA ID MN1850009
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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